Apartments for Low Income

Questions and Answers

Your Questions About Low Income Housing Projects

August 3, 2013

Maria asks…

What kind of lifestyle can you live making 50-80k a year?

Obviously the basics should be covered without a problem however what about the kind of car, housing, savings & things of that nature can one afford…
I live in Los Angeles area consider by many kind of expensive cost of living…

Administrator answers:

Depends on where you live, first of all. In some areas of the country, that would get you a basic and well-kept 3-bed, 2-bath house. In other areas, you wouldn’t be able to afford a house at all on just $50K. It would take you years of saving before you could get a house.

To give you an idea, I live in an area where housing expenses are reasonably low compared to many places. When we first moved here with my husband’s job, I was looking for work for a few months so he was the only one working. His income at the time was around $50K. We could afford our house payment, normal groceries, eating out a few times a week, insurance, and our car payments (for a smallish sedan/wagon crossover and a five-seater sport utility vehicle). We weren’t saving very much during those months, though. Vacations and spending sprees were out of the question. (This was for 2 people on $50K. One person would manage slightly better, and $80K would be much easier.)

Now, with both of us working and a few years down the road, we make over $100K together but still feel like it’s not enough to be totally stress-free about money. See, the thing is, even if you’re managing your money carefully, we as humans tend to expand upward into whatever we have. (Fortunately, a reasonable percentage of our money now goes toward savings and investments– enough of it that we have to trim down a little bit of what our lifestyle would otherwise be like if we weren’t savers.)

If you’re focusing on the lifestyle you want instead of focusing first on what you have, you’re going to find trouble, though. No matter what kind of car, house, and material possessions you can afford, you’re always going to be unhappy and stressed about making payments if you’re just trying to get the best you can squeeze within your salary. Wait until you know your salary first. Then, budget it accordingly, taking at least 10% out for savings/investments immediately and then pretending like that doesn’t exist. (Rural Chinese often save up to 25 or 50% of their earnings, so it CAN be done!) You should also leave AT LEAST $100 or so each month unbudgeted for unexpected, unbudgeted needs. That way, if you suddenly realize you didn’t budget for an oil change or if you suddenly need to buy ingredients for a huge bake sale at church or whatever, you’re covered.

If this is for a school project or if you’re serious about finding out more, I’m afraid the only way to figure an appropriate budget is to actually start doing some research on how much a mortgage, car payment, and so on would cost for your area.

Ruth asks…

Waiting list for low income housing in Findlay Ohio?

Who’s waiting list is thee shortest for low income housing in findlay ohio?

Administrator answers:

Ask your case worker. It is not as if you would even qualify for all of the projects.

David asks…

Do i have to be black to qualify for free taxpayer-paid housing?

Iwa thinking of takin advantage of the free housing my tax dollars we’re used for but i noticed the projects were mostly blacks to help them get back on their feet since they’ve only been free for over a century but i didnt know if they reached their max quota for white folk or not. Thanks for any help you can give.

Administrator answers:

I hate to burst your bubble but low income housing is actually equally used by whites…. Sure in some of the big cities they will have projects that appear to be all black neighborhoods… But that is only HALF of the “free” housing. What you need to research is “section 8″

Let’s take Monroe county, NY as an example.

Http://www.usccr.gov/pubs/sac/ny1099/ch6.htm

scroll down to table 4…

The big city shows only 29% of section 8 households are white and 64% black… But then look at the smaller town… That number jumps to 80-92% white and only 8-15% black resulting in a total of 40% white and 53% black overall.

Another curious thing… Look at the waiting lists. You would think the percentages would match up to those that get housing… I mean look at the big city on the list… The ratios are very close… But out in the small towns… Well let’s just say your odds of getting housing double if you happen to be white.

Next you should research what is going on in white dominated states… Like North Dakota.

Mandy asks…

What do we have to show for Democrat controlled EVERYTHING?

Obama had the luxury of working with a Democrat controlled House Of Representatives and a Democrat controlled Senate from Jan 2008 until Jan 2011. That’s TWO FULL YEARS to push through virtually anything and everything he wanted.

Besides a trillion dollar health care bill that only 1 in 3 Americans supported, what do we have to show for TWO SOLID YEARS of liberalism besides $6 trillion in added national debt?

Administrator answers:

1. Median household income in America has fallen for four consecutive years. Overall, it has declined by over $4000 during that time span…

2. According to a report from the National Employment Law Project, 58 percent of the jobs that have been created since the end of the recession have been low paying jobs…

3. The United States has fallen in the global economic competitiveness rankings compiled by the World Economic Forum for four years in a row…

4.When Barack Obama took office, the average price of a gallon of gasoline was $1.84. Today, the average price of a gallon of gasoline is $3.26.

5. Electricity bills in the United States have risen faster than the overall rate of inflation for five years in a row…

6. Health insurance costs have risen by 29 percent since Barack Obama became president…

7. The Obama administration has been spending money on some of the most insane things imaginable… For example, in 2011 the Obama administration spent $592,527 on a study that sought to figure out once and for all why chimpanzees throw poop…

Thomas asks…

Why did Jane Addams start the US Settlement house movement?

I am doing this for an exit project and this is one of the questions I have to do so please be specific about why she started the US Settlement House.

Administrator answers:

The goal was to get the rich and poor in society to live more closely together in an interdependent community. Its main object was the establishment of “settlement houses” in poor urban areas, in which volunteer middle-class “settlement workers” would live, hoping to share knowledge and culture with, and alleviate the poverty of, their low-income neighbors. The movement gave rise to many social policy initiatives and innovative ways of working to improve the conditions of the most excluded members of society.

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